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**Investors can lend at rates between 5.95% and 14.25% based on LendingCrowd’s Credit Bands. Interest rates are guided by the credit grading allocated to each loan. Higher risk investments may yield greater returns but can also lead to lower returns if the business can’t fully repay its debts. This is known as bad debt. Find out more at our Risk matters page.

Remember, as an investor, your capital is at risk. Learn more about the risks involved.

Minimising risk

With over 100 years of combined experience, our Credit Team reviews every borrower application made to LendingCrowd. This means only established, creditworthy and safe businesses are able to borrow through our platform. However, as with all investment opportunities, there are risks involved.

As an investor, your capital is at risk

It’s important to remember that there’s a possibility that a business may not be able to fully repay its loan.

This is known as bad debt and while LendingCrowd has a recovery system in place, you may not receive back all the money you invested.

Minimise your risk – diversify

Diversifying your portfolio is the best way to help manage risk. In other words, don’t put all your eggs in one basket.

By spreading your investments across as many businesses as possible on the Loan Market, throughout a range of Credit Bands, you’ll reduce the impact of bad debt if a business can’t repay its loan.

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As an investor, it’s important to remember you’re lending to businesses so your capital is at risk. Borrowers need to be mindful that defaulting might lead to the debt being passed to an agency for collection. LendingCrowd and its products are not covered by the Financial Services Compensation Scheme.

**This is the estimated annual return that investors could earn. It’s calculated by taking the gross interest rate less fees and estimated bad debts that could occur in the future. The average return is compounded and before tax. Find out how we calculate actual returns.

***Investors can lend at rates between 5.95% and 14.25% based on LendingCrowd’s Credit Bands. Interest rates are guided by the credit grading allocated to each loan. Higher risk investments may yield greater returns but can also lead to lower returns if the business can’t fully repay its debts. This is known as bad debt. Find out more at our Risk matters page.

If you invest through LendingCrowd you should understand that your capital is at risk.

LendingCrowd is the trading name of Edinburgh Alternative Finance Limited, Company Number SC468392, authorised and regulated by the Financial Conduct Authority (Firm reference number 670991). LendingCrowd and its products are not covered by the Financial Services Compensation Scheme.

Summary Terms & Conditions

This offer applies to new and existing lenders, who sign up for this promotion from 00:01 on 7 May 2019 and before 23:59 on 14 June 2019.

Qualifying lenders must deposit and lend, before 23:59 on 14 June 2019: £5,000-£4,999.99 to receive £50 cashback; or £10,000-£9,999.99 to receive £100; or £20,000-£19,999.99 to receive £200; or £50,000 and above to receive £300.

Plus, receive an additional £50 when you transfer an ISA of £10,000 or more from another provider to LendingCrowd during the Promotion.

Note, this is the net amount to be added and any withdrawals will be counted against this.

Funds can be added to your account by debit card, bank transfer, or by transferring an existing ISA from another ISA provider to LendingCrowd.

The cashback award will be paid into the lender’s Self Select Account within 30 days of the promotion end.

Lenders who receive the cashback award must keep a minimum balance of their qualifying investment plus the cashback award in the platform for 12 months from the date of receiving the cashback award.

LendingCrowd reserves the right to withdraw the promotion offer or amend the terms of this promotion at any time. See the full offer terms here.

Any questions? Get in touch

*Capital is at risk. Target rate is variable, net of ongoing repayment fees and bad debt, and excludes the cashback offer. Tax treatment depends on the individual circumstances of each investor and may be subject to change in future. LendingCrowd and its products are not covered by the Financial Services Compensation Scheme.